Citi Forward Card

[LiLTide]

Went to the Credit Card Center Tab and input my info and of the 3 cards recommended (CitiForward, Discover, CapitalOne), the Citi Forward is better for me. I want to transfer a $10,000+ balance with minimal fees.....any suggestions????

[trumpet-205]

That's a lot of balance. Can't you pay it off? I have doubt that Citi will approve such huge balance transfer.

[Creditaddict]

do you know your Fico score.  what other cards do you have with over 10k limits?

[plasticguy]

FYI Re CIti 1.99% Promotional APR on Balance Transfers up to $10,000.00. Any balance transfer requests that exceed $10,000.00 will be rejected for the full amount of the transfer. So the max you can do is 10k

[LiLTide]

Yes, but HONESTLY, it would be quicker if I could eliminate or reduce the interest....

[LiLTide]

No other cards with 10K limits....

[trumpet-205]

What you can do is open two cards and do partial BT on both cards.

[LiLTide]

Trying to avoid the credit score hit with 2 hard inquiries....

[trumpet-205]

Which one is more important for you right now? Paying down debt or maintaining score?

If you don't want to do BT then do snow ball method. Pay off the card with smallest balance, then next smallest, etc. Unless you only have one card.

[LiLTide]

Both....I am maintaining my score and paying down debt by paying the HIGHEST APR card first, then second highest, etc etc....If there is a better way let me know....